Caisse Régionale de Crédit Agricole Mutuel de Paris et d'Ile-de-France (CAF) H2 2025 earnings summary

Executive summary

• Activity accelerated in 2025, surpassing €150 billion in total client assets, with nearly 96,000 new clients and strong growth in both individual and corporate segments.

• Improved agency accessibility and a rebound in the Paris region real estate market drove a 44% increase in daily banking contracts and a 14% rise in net property & casualty insurance subscriptions.

• Net income group share rebounded by 23.1% year-over-year, supported by higher net banking income and a moderate cost of risk.

Financial highlights

• Net banking income reached €1,032.4 million, up 6.8% year-over-year.

• Operating expenses rose 3.3% due to increased personnel and activity-related costs.

• Operating profit grew 14.0% to €365.2 million; pre-tax profit increased 24.2% to €288.5 million.

• Net income group share was €236.2 million, up 23.1% despite a €9.1 million tax surcharge.

Outlook and guidance

• The bank maintains a strong liquidity position and a CET1 capital ratio of 23.0%, well above regulatory requirements.

• Dividend proposal of €2.59 per CCI, stable year-over-year, yielding 2.0% on the year-end price.